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Two-Wheeler

Damage to a motorcycle or scooter, theft of it, and third-party liability when it is involved in an accident.

Also calledMotorcycle Insurance · Scooter Insurance · Two Wheeler Package

File/Claims library/Personal motor/A vehicle accident

First thing, todayReport it the same day, and do not have it repaired before the insurer has had the chance to see it.

Three deadlines
  • Tell the insurer now, not after the assessment.
  • The police the same day if anybody was hurt or the vehicle is gone.
  • Every document within the time the insurer asks for it.
A car at the roadside with its front wing stove in
A car at the roadside with its front wing stove in. An illustration.

When you would claim

  • An accident on the road or while parked
  • Theft from outside the house, the office or a public place
  • Fire or flood damage
  • Injury to a pillion rider or to somebody else
  • Damage during a natural event such as storm or inundation

What insurers most often rely on

  • No valid licence for the rider at the time
  • Theft where the vehicle was left unlocked or the keys were in it
  • Repairs carried out before the surveyor saw the vehicle
  • Depreciation on parts, and the compulsory excess
  • Lapse in cover, where the renewal was a day or two late

Most are answered by a document that existed on the day of the accident and is far harder to obtain a month afterwards.

The documents

before the workshop, not after

9 items, and the order matters more than the length. Almost all of it has to exist before the car goes into a workshop.

  • Claim form, policy schedule and the full wording
  • Registration certificate and the rider's driving licence
  • FIR, on theft or where anybody was hurt
  • Photographs of the damage, taken before repair
  • Garage estimate and the final repair invoice
  • Both keys and the non-traceable certificate, on a theft claim
  • Cancelled cheque and bank details in the insured's name, for the NEFT payment
  • Details of any other insurance covering the same vehicle
  • The garage estimate before the repair, and the final invoice with its payment receipt after it
Survey, then repairThree dates decide it: when you told the insurer, when the surveyor came, and when the car went into the workshop. In that order, a claim is straightforward. In any other order, it is an argument.

Next

Commercial Vehicle Claim: What to Do

Commercial motor claims are refused on paperwork far more often than on the facts of the collision: the licence, the permit, the fitness, the load.

Most often lost by: Authorising repairs before the survey, and discovering afterwards that the driver's licence was not valid for that class of vehicle.

Read the declared value

There is no average clause here. What caps the claim is the IDV on your schedule, and on a total loss or a theft that figure is the entire settlement. An IDV pushed down to hold the premium down is a discount you pay back once, at the worst moment.

Filed under: Personal motor · A vehicle accident

Claims that sit next to this one

the same policy, or the person in it

Private Car

the same policy, on four wheels

Motor Third-Party Liability

the statutory half of it

Personal Accident

injury to the rider

Vehicle damaged and the surveyor still not been to the garage? Report a loss or call 92514 56334.